Medicare Advantage Plans in Frederick County, MD:
Your Complete 2027 Guide
For 2027, residents of Frederick County, MD can choose from 17 Medicare Advantage plan options. Of these, 9 cost nothing beyond the Part B premium. Enrollment in the County stands at approximately 4,550, with 59% of plans achieving 4 stars or better. This page and its statistics exclude Special Needs Plans (SNPs). See Medicare Special Needs Plans available in Frederick County, MD. To understand how Medicare Advantage fits with your other coverage choices, explore all Medicare coverage options in Frederick County.
Last update: . Enrollment data last updated: October 5, 2026
* CMS rates Medicare Advantage plans annually using a 5-star system. Data sources
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. While using out-of-network doctors or hospitals usually means higher costs, PPOs may appeal to people who want more flexibility in how they access their healthcare.
- Total PPO Plans
- 8
- Average Premium
- $48.88/mo
- Beneficiaries Enrolled
- 2,647
- $0 Premium PPOs
- 4
- Average MOOP
- $7,369
- Most Popular PPO
- HumanaChoice H7617-044 (PPO) with 1,038 enrollees
- PPOs Without Drug Coverage
- 2
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| HumanaChoice H7617-044 | $0 | $8,050 | $700 | H7617 044 0 | |
| Humana USAA Honor Giveback | $0 | $6,750 | N/A | H5216 379 0 | |
| HumanaChoice H5216-376 | $0 | $8,050 | $700 | H5216 376 0 | |
| HumanaChoice H5216-387 | $73 | $7,550 | $600 | H5216 387 1 | |
| Johns Hopkins Advantage MD | $95 | $7,950 | $615 | H3890 001 0 | |
| Johns Hopkins Advantage MD Plus | $165 | $7,550 | $615 | H3890 002 0 | |
| CareFirst BlueCross BlueShield Advantage Salute | $0 | $5,900 | N/A | H7379 003 0 | |
| CareFirst BlueCross BlueShield Advantage Signature | $58 | $7,151 | $600 | H7379 004 2 |
- What is the average monthly premium for PPO plans in Frederick?
- On average, PPO plans in Frederick cost $48.88 per month.
- Which PPO plan has the highest enrollment in Frederick?
- The most popular PPO in Frederick is HumanaChoice H7617-044 (PPO), covering 1,038 beneficiaries.
- How many PPO plans in Frederick do not include prescription drug coverage?
- 2 PPO plans available in Frederick do not include Part D benefits.
Medicare Advantage HMO Plans
HMO plans are designed around a set network of doctors and hospitals. Staying within that network is usually required for coverage, but this arrangement often results in lower overall costs, including both premiums and out-of-pocket expenses, for plan members.
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| Kaiser Permanente Medicare Advantage Liberty | $0 | $5,900 | N/A | H2172 005 0 | |
| Kaiser Permanente Medicare Advantage Value 1 MD | $0 | $8,200 | $0 | H2172 025 0 | |
| Alterwood Advantage Choice | $35 | $7,500 | $0 | H9306 008 1 | |
| Alterwood Advantage Freedom | $0 | $6,500 | N/A | H9306 003 0 | |
| Alterwood Advantage Select | $0 | $7,500 | $295 | H9306 009 1 | |
| Johns Hopkins Advantage MD | $49 | $8,950 | $590 | H1225 001 0 | |
| Johns Hopkins Advantage MD Tribute | $0 | $7,200 | N/A | H1225 004 0 |
What is the total number of HMO plans offered in Frederick?
There are 7 HMO plans in 2027, covering 1,177 beneficiaries.
How much do HMO plans cost on average in Frederick?
The average HMO premium is $12.00, with 5 costing $0.
What is the top HMO by enrollment in Frederick?
Kaiser Permanente Medicare Advantage Value 1 MD (HMO) is the most popular HMO plan in Frederick, with 682 enrollees.
What is the number of HMO plans without Part D coverage in Frederick?
3 HMO plans in Frederick do not include prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, but they also permit some use of out-of-network doctors and hospitals. Those services are generally more expensive, but the added access can be valuable for people who don’t want to be fully limited to a single network.
- Total HMO-POS Plans
- 2
- Average Premium
- $73.00/mo
- Beneficiaries Enrolled
- 726
- $0 Premium HMO-POS
- 0
- Average MOOP
- $6,800
- Most Popular HMO-POS
- Kaiser Permanente Medicare Advantage Standard 1 MD (HMO-POS) with 616 enrollees
- HMO-POS Without Drug Coverage
- 0
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| Kaiser Permanente Medicare Advantage High MD | $114 | $5,700 | $0 | H2172 002 0 | |
| Kaiser Permanente Medicare Advantage Standard 1 MD | $32 | $7,900 | $0 | H2172 021 0 |
What is the average monthly premium for HMO-POS plans?
On average, HMO-POS plans in Frederick cost $73.00 per month.
Which HMO-POS plan is most popular in Frederick?
The leading HMO-POS in Frederick is Kaiser Permanente Medicare Advantage Standard 1 MD (HMO-POS), with 616 members.
How many HMO-POS plans in Frederick do not include drug coverage?
There are 0 HMO-POS plans in Frederick without Part D benefits.
The table below shows the quality ratings for Medicare Advantage plans offered in Frederick County, MD for 2027.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 10 | 59% |
| 3 Stars | 5 | 29% |
| Below 3 Stars | 2 | 12% |
| Not Rated | 0 | 0% |
| Average Rating | 3.82 | |
Medicare Advantage comes with strict enrollment windows. By knowing when and how to sign up, you’ll avoid missed deadlines and keep your healthcare coverage aligned with your needs.
Key Medicare Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month window starts three months before the month you turn 65 and ends three months after. It’s the first time you can sign up for Medicare and, if you choose, a Medicare Advantage plan. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Each year from January 1 through March 31, you may change to another Medicare Advantage plan or drop your plan and return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): This yearly window, running October 15 to December 7, gives you the opportunity to join, switch, or drop Medicare Advantage and Part D plans. Learn more
- Special Enrollment Periods (SEPs): Outside the standard enrollment dates, you may qualify for a Special Enrollment Period if specific circumstances apply, including relocation or coverage loss. Learn more
Enrollment Options Explained
- Talk with a Licensed Agent: Licensed agents at HealthCompare can explain your Medicare Advantage choices. Reach them at 1-833-748-3201 (TTY 711), Mon-Fri 8AM-10PM, Sat 9AM-8PM EST.
- Contact the Plan Provider Directly: Enrollment can also be completed by calling the plan provider’s customer service line or visiting their official website.
- Use Medicare.gov: The official Medicare website, Medicare.gov, lets you review available plans and complete enrollment online.
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Frederick, Adamstown, Brunswick, Emmitsburg, Ijamsville, Jefferson, Knoxville, Middletown, Monrovia, Mount Airy, Myersville, New Market, Point Of Rocks, Rocky Ridge, Sabillasville, Thurmont, Walkersville, Woodsboro, and all other areas of Frederick County, Maryland. For a broader view of coverage choices across the state, see Medicare plan options in Maryland.
Plans Offered through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpring℠, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare®, Wellcare, WellPoint
- CMS.gov, Landscape Source Files — Version: CY2027 Landscape (202609.1)
- CMS.gov, Medicare Part C & D Performance — Version: 2027 Star Ratings Data Tables
- CMS.gov, Plan Benefits Package — Version: PBP Benefits-2027
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Version: 2026-09
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Landscape file, Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data. Enrollment counts and rankings (such as Top 3 plans by enrollment) are derived from CMS monthly enrollment files and aggregated at the county level.
Medicare.org separates Medicare Advantage (MA/MAPD) plans and Special Needs Plans (SNPs) into different pages for clarity. As a result, plan counts, percentages, and other calculations shown here may differ from the aggregate totals published in the CMS Landscape files. All plan availability and benefit details originate from CMS.
Learn more about how we use CMS data.
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data.
To explore how 2027 Medicare Advantage plans available in Frederick County compare with plans offered elsewhere, you can search the Medicare Advantage plan directory to review options nationwide using the same authoritative data sources.
Medicare.org is owned and operated by Health Network Group, LLC, an Allstate company. Medicare.org provides information only and is not connected with or endorsed by the U.S. Government or the federal Medicare program.
Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard.
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate Medicare coverage interpretation and resolution.